Alameda County, CA Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Alameda County, CA distress report, 2026: 53 ZIPs scored in Alameda, CA, Alameda, CA average 21/100; the top Alameda, CA ZIP is 95377 at 26/100; Alameda, CA market phase peak, Alameda, CA prices +0.4% year over year.
- Alameda, CA ranks #3,099 nationally (opportunity index); Alameda, CA #51 in California; Alameda, CA index 22.1.
- Alameda, CA ninety-day mortgage delinquency 0.3% in December 2025; Alameda, CA twelve-month change 0.0%.
- Alameda, CA ZIP phases: 50 peak, 3 contraction.
- Alameda, CA residential listings tracked: 403 across 49 ZIPs; Alameda, CA candidate listings 221.
- Alameda, CA HUD assisted properties: 68 with 4,310 units.
- Alameda, CA lenders on watch: 8; largest Alameda, CA footprint Fremont Bank (14 branches).
- Alameda, CA most distressed ZIP: 95377 at 26/100.
Alameda, CA figures: DLRadar distress index; Alameda, CA inputs: CFPB, FHFA, HUD, FDIC; Alameda, CA rebuilt as sources refresh.
| Rank | Alameda, CA ZIP | Score |
|---|---|---|
| 1 | 95377 | 26/100 |
| 2 | 94501 | 21/100 |
| 3 | 94502 | 21/100 |
| 4 | 94536 | 21/100 |
| 5 | 94538 | 21/100 |
| 6 | 94539 | 21/100 |
| 7 | 94541 | 21/100 |
| 8 | 94542 | 21/100 |
| 9 | 94544 | 21/100 |
| 10 | 94545 | 21/100 |
| 11 | 94546 | 21/100 |
| 12 | 94550 | 21/100 |
Most distressed Alameda, CA ZIPs (0-100, 2026)
Mortgage delinquency in Alameda, CA
0.3% of Alameda, CA mortgages were ninety-plus days late (Alameda, CA, December 2025); Alameda, CA thirty-to-eighty-nine days late: 0.7%; Alameda, CA twelve-month change 0.0%; Alameda, CA peak since 2008: 6.0% (February 2010); California overall 0.5%. Alameda, CA ninety-day series: Dec 24 0.3, Jan 25 0.3, Feb 25 0.2 (Alameda, CA), Mar 25 0.2, Apr 25 0.3, May 25 0.3 (Alameda, CA), Jun 25 0.3, Jul 25 0.3, Aug 25 0.2 (Alameda, CA), Sep 25 0.3, Oct 25 0.3, Nov 25 0.3 (Alameda, CA), Dec 25 0.3.
Opportunity index: Alameda, CA
Alameda, CA index 22.1, Alameda, CA phase weak; Alameda, CA primary driver bank institutional, Alameda, CA second driver vacancy. Alameda, CA components: property stress 13.9, foreclosure pressure 15.8, listing discounts 19.0, bank stress 60.2, insurance 0.0; Alameda, CA pulse 24.4; Alameda, CA capital opportunity 18.6.
ZIP market phases inside Alameda, CA
53 Alameda, CA ZIPs carry a price-cycle phase; Alameda, CA ZIPs by phase (Alameda, CA), deepest drawdown first: contraction, -2.2% YoY, 2.4% off peak (Alameda, CA): 95377; contraction, -0.5% YoY, 0.9% off peak (Alameda, CA): 95391; contraction, -0.1% YoY, 0.7% off peak (Alameda, CA): 94550; peak, +0.4% YoY, 0.2% off peak (Alameda, CA): 94505, 94502, 94514, 94536, Alameda, CA 94538, 94539, 94541, 94542, Alameda, CA 94544, 94545, 94546, 94551, Alameda, CA 94552.
Residential listings by Alameda, CA ZIP
Alameda, CA ZIPs with the most tracked Alameda, CA residential listings: 94605 40 listings, 26 candidates, bank pressure 63; 94607 28 listings, 15 candidates, bank pressure 63; 94566 23 listings, 6 candidates, bank pressure 63; 94601 23 listings, 15 candidates, bank pressure 63 (Alameda, CA); 94603 20 listings, 9 candidates, bank pressure 63; 94588 19 listings, 9 candidates, bank pressure 62; 94610 19 listings, 9 candidates, bank pressure 63; 94538 18 listings, 6 candidates, bank pressure 63. Alameda, CA totals: 403 listings; Alameda, CA candidates 221; active ZIPs 38.
HUD assisted housing in Alameda, CA
68 assisted properties with 4,310 units sit in Alameda, CA; largest Alameda, CA properties: Lake House (Oakland) 270 units; Cadence Apartments (Hayward) 206 units; Keller Plaza (Oakland) 201 units, 168 assisted in Alameda, CA; Westlake Christian Terrace I - East (Oakland) 200 units, 91 assisted; Newark Gardens I (Newark) 150 units, 150 assisted; Southlake Tower (Oakland) 130 units, 130 assisted.
Lenders with branches in Alameda, CA
Alameda, CA lenders by branch count: Fremont Bank (Alameda, CA): stress 75, 14 branches low in Alameda, CA; East West Bank (Alameda, CA): stress 56, 5 branches low in Alameda, CA; United Business Bank (Alameda, CA): stress 79, 4 branches low in Alameda, CA; Mechanics Bank (Alameda, CA): stress 59, 4 branches low in Alameda, CA; Cathay Bank (Alameda, CA): stress 51, 4 branches low in Alameda, CA; Citizens Business Bank Na (Alameda, CA): stress 50, 4 branches low in Alameda, CA; Poppy Bank (Alameda, CA): stress 69, 3 branches low in Alameda, CA; Bank Of Marin (Alameda, CA): stress 67, 3 branches low in Alameda, CA.
Vacancy and permits, Alameda, CA
38,966 of 637,212 Alameda, CA housing units are vacant; Alameda, CA permits, twelve months: 2,201 multifamily units in Alameda, CA, 1,212 one-to-four unit units.
Work Alameda, CA at the parcel level
Every Alameda, CA parcel carries owner and address; every Alameda, CA parcel carries APN; Alameda, CA distress scores sit on the Alameda, CA live board.
Alameda, CA figures refresh with each source.
Alameda, CA questions
Most distressed ZIP code in Alameda County, CA?
ZIP 95377 leads Alameda, CA at 26/100; next in Alameda, CA: 94501 at 21/100; the Alameda, CA average is 21/100.
Where does Alameda County, CA rank for investment opportunity?
Alameda, CA is #3,099 among all ranked counties, #51 in California; the Alameda, CA driver is bank institutional; Alameda, CA moved down 13 places.
How many mortgages are delinquent in Alameda County, CA?
0.3% of Alameda, CA mortgages were ninety-plus days late in December 2025; the Alameda, CA peak since 2008 was 6.0%.
Which banks lend in Alameda County, CA?
8 watched lenders hold Alameda, CA branches; the largest Alameda, CA footprints are Fremont Bank (14), East West Bank (5), United Business Bank (4).
More on Alameda, CA
Alameda County, CA distress report: public-record figures for Alameda, CA; not legal advice for Alameda, CA; not tax or investment advice; verify every Alameda, CA record before acting.